According to the policy, the restriction of the second home loan on the existing first set of per capita housing construction area was cancelled, and the down payment ratio of the second home loan was adjusted from 60% to 40%.

The down payment is the first advance payment when buying a house. The general amount should be above 30% of the total house price. For those who use provident fund loans for the first time, the down payment ratio is not less than 20% for families who purchase the first set of housing or affordable housing with a building area of less than 90 square meters in Xing Tao, and not less than 30% for families who purchase the first set of housing with a building area of more than 90 square meters in Xing Tao.